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When you are dealing with flood damage, the last thing you need is a surprise. So take some time to go through the Standard Flood Insurance Policy for a full list of coverages and exclusions when you’re applying. The following are a few examples: Property outside a building. This includes decorative and recreational items such as swimming pools, hot … More

The NFIP pays for direct physical loss by or from flood. For example, if a sewer backs up into a client’s home because of flooding, the damage is covered. If the backup has a different cause (such as tree roots around a line) it’s not covered by flood insurance. Refer to the NFIP policy for a complete explanation of coverages … More

5 Dos and Don’ts of Flying a Drone Drones are exploding in popularity in New Jersey and so are the news stories about someone flying too close to a commercial aircraft or shooting down a drone. These are real incidents, but with these five dos and don’ts of drone operation, you don’t have to experience … More

5 Questions to Ask if You Keep Guns in Your Home There are an estimated 300 million firearms in U.S. homes. And, with a lot of guns comes the potential for a lot of gun-related accidents. So, ask yourself these questions to help prevent your household in Springfield from experiencing one. How secure are my … More

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How Efficiently (or Inefficiently) Do You Use Your Heat? Many homeowners in Springfield see their energy bills each winter and think, “How can I be spending this much when the house isn’t even that warm?” To get an answer to that question, you should start with some other questions that will help determine just … More

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There are a number of ways an identity thief can use a stolen Social Security number (SSN). Most Americans have heard of an identity thief opening a credit card account or getting a cell phone in the victim’s name but did you know that a thief could also try to get legitimate employment with a … More

How to Stay Safe After a Winter Car Accident The days are short. The air is cold. And, roads are often slick with rain, snow or ice. It’s winter driving season in New Jersey. And, while most people know what to do to try to avoid an accident, many don’t know what to do after … More

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The Internal Revenue Service (IRS) describes tax identity theft as that which “occurs when someone uses your stolen Social Security number (SSN) to file a tax return claiming a fraudulent refund.” Identity thieves file fraudulent tax returns early in filing season. Usually, the victim isn’t made aware that the theft has taken place until they find that they can’t file … More